Mr. Vishal Chaurasia is 35 years old branch Manager in FRR forex, Nehru place delhi.

, He living with his family in noida,( Wife,

his wife Mrs anjali kumari is working in R System, Greater noida west as software devloper her salary is Rs 40000 per month. t
standard and thier younger son vashu studies in 4th Standard both are in same school, st. john's school greater noida west ne
them itself, the set few goals and targets which he wants to achieve before mr. vishal turns 55.

information and retirement plan analysis

Assets Measurement Amount

House 1300 sqft 2500000
Bank balance 700000
Shares investments 500000
Policies
Plots 1000 sqft 2000000

Jewellery 500000
Total assets 6200000

FVAF 368.36
Investments Monthly Annually
Mutual Fund SIP 6000 72000
Shares 3000 36000
Total 9000 108000

Items Interest rate(Annually) Inflation

Banks 6% 4%
Mutual fund 12% 4%
Plots 10% 4%
Salary 8% 4%
Living expense 5%

Average 8% 4%
Years Months
Remeaning Time 20 years or 240 months 20 240

Goals Amount needed Invested today(per month)

Anvi's higher education 4000000 10858.82
vashu higher education 6000000 16288.23
anvi's Marriage 6500000 17645.58
vashu Marriage 5500000 14930.87
Tirth Yatra after Retirement 1000000 2714.70
Total Corpus 23000000 62438.20

Total Future value of Assets and investments 16900241.5

Net Future corpus needed 6099758.5 16559.04

conclusion

a. Here, In the above situation we can see that Chaurasia family needs Rs 6099758 in future at the age of 55 to fullfill there ne
b. First I calculated their all assest and also future value of those assests, which growing from 4% interest after affect of inflati
compunded annually
c. Second I calculated their monthly income which growing from 4% compunded monthly
d. Then calculated there expenses which growung from 4% compunded monthly
e. They already investing 6000 in mutual funds and 3000 in shares every month as they told me but they should invest Rs 1655
the goals
 his family in noida,( Wife, and two children daughter and sons), Mr. vishal salary is Rs 55000 and
is Rs 40000 per month. they have two children, thier elder daughter Anvi studies in 6th
ool greater noida west near ek murti. they have few assets and liabilties as information given by

INCOME AND EXPENSES OF CHAURASIA FAMILY

Future value A)Income Monthly Annually
5477807.86 Vishal Chaurasia 55000 660000
1533786.20 Anjali kumari 40000 480000
1095561.57

4382246.29 Total 95000 1140000

B) Current Expense Monthly Annually

1095561.57 School fees 6500 78000

13584963.49 Living expense 25000 300000
Travelling expense 8000 96000
Insurance premium 25000 300000
Total Current expense 64500 774000
Future corpus
2210185.33 Investments Monthly Annually
1105092.67 Mutual Fund SIP 6000 72000
3315278.00 Shares 3000 36000
Total 9000 108000

Surplus 21500 258000

Real rate Monthly

2% 0.16%
8% 0.64%
6% 0.48%
4% 0.32%

4% 0.34%

ed today(per month)
FVAF
 368.36

they should invest every month to meet the target

e of 55 to fullfill there needs and wants.

erest after affect of inflation rate whiuch is 4%,

hey should invest Rs 16559.04 more to achieve